Hvor præcis er denne pensionsprojektion?

It's a 30-40 year extrapolation that holds your CURRENT salary constant. Real outcomes depend on: (1) your future salary trajectory (10-50% higher than today is normal over 25 years), (2) pension reforms during your career (every 4-5 years some parameter changes), (3) inflation between now and retirement, (4) your country's specific revaluation rules, (5) any career breaks, parental leave, sickness, unemployment. Treat the number as ±20-30% accuracy. The DRV / CNAV / INSS annual statement is far more accurate because it uses YOUR actual career history.

Skal jeg arbejde længere eller gå tidligere på pension?

Working longer significantly increases pension in most EU systems: DE +0.5%/month past standard age (Zuschlag); FR surcote +1.25%/trimestre extra; IT higher coefficient at later age; ES demora +4%/year; PL much higher (life expectancy divisor drops). Conversely early retirement is HEAVILY penalised: DE -0.3%/month early; FR décote -1.25%/trimestre; ES -2.81%/quarter early. Try the same calculation at standard age, then -2 years and +2 years to see your specific delta. Most workers gain 30-50% more pension by working 5 extra years.

Er offentlige pensioner sikre om 30 år?

Public pensions will continue to exist in all EU member states — the political risk of cancelling them is too high. But the FORMULAS will change. Replacement rates have already declined from 60% (1990s) to 40-50% (2026) in most EU countries, and demographic pressure (ageing + lower birth rates) means further reductions are likely. The safest assumption: assume 80% of your projected public pension actually arrives, and plan for the gap with a 2nd-pillar (occupational) and 3rd-pillar (private) pension. This is the official advice of every EU pension authority.

Gratis værktøj

EU pensionsberegner

Vælg dit land, indtast nuværende månedlig brutto + alder + bidragsår + planlagt pensionsalder. Vi anvender landeformlen (DE Rentenformel, FR CNAV+AGIRC, ES base reguladora, IT contributivo, AT APG, NL AOW+2. søjle, BE 60 %/75 %, PL ZUS) og projicerer din månedlige bruttopension ved pensionering. Erstatningsrate, straf/bonus for tidlig/sen pensionering, sammenligning af pensionsalder. Konservativt designet.

⚠ Estimat — pensionsreformer ændrer alt

⚠ Pensionsreformer sker hvert 4.-5. år

Frankrig hævede standardalderen fra 62 til 64 i 2023; Tyskland debatterer at hæve fra 67 til 68; Spanien forlænger referenceperiode fra 25 til 30 år (gradvis indfasning 2025-2027); Italien skifter mellem contributivo- og retributivo-systemer for forskellige årgange; Nederlandene er midt i overgangen til 2. søjle med defineret bidrag (2026-2028); Polen debatterer gentagne gange kvinders pensionsalder. Tallet du ser i dag afspejler reglerne fra I DAG — din faktiske pension ved pensionering vil bruge reglerne, der er gældende PÅ DEN fremtidige dato.

Land

Nuværende månedlig brutto (EUR)Nuværende alder

Afsluttede bidragsår

Sum af alle års arbejde + betalte sociale bidrag

Planlagt pensionsalder

Interval: 63-70

⚠ Dette er en langsigtet projektion

Pensionsberegninger spænder over 30-40 år og antager din nuværende løn som konstant proxy. I virkeligheden vokser lønninger med anciennitet + inflation; pensionsformler, pensionsalder, bidragssatser og aktuelle pensionsværdi ændres med reformer. Behandl tallet som en 'grov størrelsesorden' — ikke et garanteret beløb. Planlæg med arbejdsmarkeds- + private pensioner (3. søjle) for at udfylde hullet.

Månedlig bruttopension

€1,748

Erstatningsrate

44%

Samlede bidragsår

+ 32 år tilbage til at betale ind

🎯Standard pensionsalder

Sådan fungerer landets pension

Rentenformel: monatliche Rente = Entgeltpunkte × Zugangsfaktor × Rentenartfaktor × aktueller Rentenwert.
Aktueller Rentenwert (West) 2026: ~€39.32 per Entgeltpunkt; (Ost) ~€38.48 — fully harmonised by July 2024.
Entgeltpunkte/year = (your gross salary × 12) / Durchschnittsentgelt of all insured (~€45,358 in 2026 for DRV calculations). One year at exactly the average = 1.0 EP. €90k earner = 2.0 EP.
Standard retirement age 67 (born 1964+). Early retirement reduces by 0.3% per month before standard age; late retirement increases by 0.5% per month, max age 70.
Beitragsbemessungsgrenze 2026: ~€7,550/month (West). Salary above this does NOT generate Entgeltpunkte — extra-pension planning needed (Riester, Rürup, betriebliche Altersvorsorge).

Bemærkninger til din projektion

Entgeltpunkte/year ≈ 1.06 (your salary / Durchschnittsentgelt €45,358).
Total EP at retirement ≈ 44.4 × Zugangsfaktor 1.000 × Rentenwert €39.32.
Above the Beitragsbemessungsgrenze (€7,550/mo in 2026), additional salary does NOT generate Entgeltpunkte — high earners need private/occupational pensions to maintain replacement rate.

⚠ Vigtige advarsler

Public pension typically replaces only 40-50% of pre-retirement net for average earners. Plan for an occupational pension (bAV) and/or Riester/Rürup to fill the gap.
Pension reform is a perennial political topic — formulas, retirement age and Rentenwert change every 3-5 years. Treat the projected number as a moving target.

🔗 Åbn officiel kilde

Juridisk ansvarsfraskrivelse

WorkDaten provides this pension projector for informational and educational purposes only. Calculations use the publicly available 2026 statutory pension formulas of each country and assume your current salary as a constant — IN REALITY, salaries grow over decades, formulas change with reform, retirement ages rise with life expectancy, and current pension values rise with inflation. The number is a long-term ESTIMATE only — actual pension at your retirement date will be determined by the rules in force AT THAT DATE. Each country's pension authority (DRV, CNAV, INSS, INPS, PV, SVB, SFP, ZUS) is the ONLY binding source for your actual entitlement. We accept no liability for retirement-planning decisions based on this tool.

Hvordan europæiske pensioner faktisk fungerer

Most EU pension systems use a Pay-As-You-Go (PAYG) model: today's workers' contributions fund today's retirees. The 'pension formula' is what determines YOUR future entitlement based on YOUR contributions. Three model types: (1) Points-based — Germany Entgeltpunkte × Rentenwert. Each €45k of annual gross gives 1 Entgeltpunkt; standard pension is sum-of-points × current point value. (2) Reference-salary-based — France 50% × SAM × trimestres ratio; Spain base reguladora × scaling percentage. (3) Notional defined contribution — Italy sistema contributivo, Poland ZUS. Your contributions accumulate as a notional capital that's converted to a monthly pension at retirement using a coefficient based on remaining life expectancy.

Europe-wide replacement rates: PAYG public pensions typically replace 40-50% of pre-retirement net for average earners — roughly half. The 'pension gap' between this and your desired retirement income (often 70-80% of final net) needs to be filled by: (a) Occupational pension (2nd pillar) — Netherlands 1.875%/year mandatory; UK auto-enrolment; Belgium pension complémentaire; Spain mutualidades; less common in DE/FR/IT. (b) Private pension (3rd pillar) — Germany Riester/Rürup, France PER, Italy fondi pensione, NL lijfrente, Poland IKE/IKZE.

Use this projector for an honest first read. Then check your country's pension authority annual statement (DRV Renteninformation, CNAV relevé de carrière, INSS vida laboral, INPS estratto conto, PV Pensionskonto, mypension.be, mijnpensioenoverzicht.nl, ZUS PUE) for the binding numbers based on YOUR actual career.

Ofte stillede spørgsmål

Short answers to the questions people most often ask before relying on the page.